The Carlsbad National Bank

The Carlsbad National Bank is headquartered in Carlsbad and is the 16^st largest bank in the state of New Mexico. It is also the 2,787^th largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 64 employees at 3 locations. The Carlsbad National Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Carlsbad National Bank FDIC Certificate # 2241 BankRate Report View Year Established 1924 Employees 64 Primary Regulator OCC Assets and Liabilities Assets $228.74 million Loans $91.70 million Deposits $198.83 million Equity Capital $22.99 million Loan Loss Allowance $1.35 million Historic Data - March 2011 Assets $209.53 million Equity Capital $21.45 million Loan Loss Allowance $1.35 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 1.66% Return on Equity 16.94% Interest Income $2.13 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Carlsbad National Bank had $0 in non-current loans and owned real-estate with $24.34 million in equity and loan loss allowances on hand to cover it. This gives The Carlsbad National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The Carlsbad National Bank has increased its total deposits by $17.41 million, resulting in 9.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Carlsbad National Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Carlsbad National Bank has $228.74 million in assets with $24.34 million in equity, resulting in a capitalization level of 10.64%, which is above average.

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